TARGOBANK Reviews 

If I could give 0 stars I would, my family is i. Burgerguld and we are unable to even pay the credit but we want to at least pay minimum or smaller payments. Instead they said they can't help and we must pay after several years of on time payments. They threaten my wife to go to court and we have no options even though they know we are not working because of our baby and protected from the job center. There customer service is the worst in the world and they don't care about there customers, it's a shame they treat customers like this. If you think of bank with someone this bank is not the best choice and go elsewhere.

I've been served by Dennis Hofmann at the Mainz branch twice and every single experience has been exceptional. He helped me secure a lower interest rate on my loan, and most recently assisted with my credit card downgrade. His customer service is truly top-notch - he's attentive, courteous, and goes above and beyond to help customers find the best solutions. Even when I missed an appointment, he was understanding and accommodating. It's rare to find this level of service consistently. Highly recommend requesting him if you visit this branch!

I have worked in banking for twenty years and know the rules of regulated banking, i have for the last week been trying to transfer my funds back to the uk and each time Targo Bank have failed to make the SEPA transfer stating there branch manager is on Vacation. Im sorry but this is illegal and against the rules. If nothing happens tomorrow i will have no alternative than to contact BaFin and report this misconduct, the girl that made the original transfer thought it was funny and just laughed in my face. The service i have received has been totally appalling. Mark Bougourd

yes, I cannot login for 4 weeks now. Got a new phone. That was a mistake... bad joke

Gesundbrunnen branch, TARGOBANK
Meine Erfahrung war sehr stressig und verwirrend. Die Informationen, die ich von der Filiale und meiner Kundenberaterin erhalte, unterscheiden sich oft völlig von dem, was das zentrale Team tatsächlich umsetzt. Es scheint keine klare interne Kommunikation oder Dokumentation der Kundenvereinbarungen zu geben.

In meinem Fall hatte ich eine eindeutige Absprache mit meiner Filialleiterin über eine vorübergehende Anpassung meiner Kreditraten wegen finanzieller Schwierigkeiten. Trotzdem erhielt ich weiterhin Schreiben vom zentralen Forderungsmanagement mit vollen Zahlungsaufforderungen, sogar mit Androhung einer Vertragskündigung und rechtlicher Schritte.

Diese Misskommunikation hat mir unnötigen finanziellen Druck, psychischen Stress und Zeitverlust verursacht. Ich hoffe sehr, dass die Targobank ihre internen Abläufe verbessert und sicherstellt, dass Absprachen mit Kundenberatern korrekt dokumentiert und vom zentralen Team respektiert werden.

EN
I am extremely disappointed with Targobank’s internal communication and customer service.

My experience has been very stressful and confusing. The information I receive from the bank branch and relationship manager is often completely different from what the central team acts upon. There seems to be no proper internal communication or documentation of customer agreements.

In my case, I had a clear discussion with the branch manager about adjusting my loan payments temporarily due to financial hardship. However, despite this agreement, the central department continued sending letters demanding full payments, even mentioning contract termination and legal action. This miscommunication has caused me unnecessary financial pressure, mental stress, and wasted time.

It’s deeply frustrating that customers have to suffer because of poor coordination within the bank. I hope Targobank seriously improves its internal processes and ensures that what is agreed with a bank advisor is properly recorded and respected by the central team.

No online banking working, they just keep sending non-working TAN. Unnable to login.. i was in bank, they told me i can do it on my phone with TAN, but every TAN they send is not valid. Very bad customer service

we invested 41,000 Euro in , as we are told, the most secure Lehman Brothers Wertpapiere.
After the crash a letter was sent to us that the Bank wuold do the best to get some of our investment back. Nothing ever happened despite that other investors with other banks got up to 28% back.
I dont know what happened to the money

Had the worst experience. The senior partner in Munich Matthias Wiegand had no idea that when he set up my accounts that I will not be able to use any of the codes send to my phone as I´m overseas. After months of trying to get hold of him he finally answered. I will have to wait a few more month to get an answer, to use my online banking. I have been with this bank for 6 months and I´m unable to access my accounts, it seams that nobody in the bank cares.
Very bad costumer experience and would not want to work with this person.

@
Townchild Berlin
you were automatically rejected because you are foreigner, and their products are only for native germans.

I think it is high time to engage more actively isabelle chevelard as she is also active on linkedin

Easy procedure and also fast to get a credit.

I was at Targo Bank at Gesundbrunnen Berlin and the customer service is a top notch and the branch manager is so friendly and open to any inquiry and he will make sure it is fixed and settled. I truly love Targo Bank. I'm hopefully going to make a good customer friendship with them. 👏👏👏👏👏👏👏👏

In the beginning everything was ok.Then start,i can't Use online Banking and Must Always make a calld and they will send Money For me with my tpin and they Will take 3,50€ For that.Or i can ask for a New tpin nad it takse abaut 10 days.After that,online Banking i can Use too.Than thay cancel my kreditkard.They said WE Look at your Schufa and you own something to someone.I asked but i don't own enything to you,doesen't metter.Really funny, For the People WHO are working Konto IS free,For the People WHO are Not working they Must pay 6.65€every mounth.I don't understand this

Update:
Targobank, despite the feedback, I have and advise those discriminated to raise via legal route as Targobank have not since responded, this came to me a surprise they replied after leaving my initial review.

Racist and discriminating.
I had an existing loan approved few months ago. Was receiving marketing letters from them confirming I have a good offer they can give if I wanted an increase for a new loan with them. I decided to contact them and check the offer, and applied for new loan, following back and forth email and contact them to check status, one of their agents confirmed to me TargoBank rejected my application because I am a Portuguese citizen living in Germany. I immediate said this is ridiculous despite the previous loan I had which I decided to pay in full and escalate the matter vie legal route.
Shocking we have a bank who believes are above the law.

I wanted to change banks as I was unsatisfied with my previous bank.
After a meeting with a bank clerk he was very enthusiastic about me depositing 60Thousans € . He took my money with promises of sorting out my bank changeover from my previous bank.
However,once my money was deposited I was , and am still being ghosted by the branch and by customer service. Instill don't have a user bank account with them , just the deposit account. No reply to my emails, phone calls were just lies. I don't have time due to work to go to the branch.
I'm still banking at my old bank because Targobank didn't open a personal account despite my deposit. This happened 15 months ago and I'm still waiting and still being ignored.

Alll the time the salary money is 2-3 days later in my account than everyone else who is having bank account to any other German bank.

I have had a Targo Bank account for a few years now. Currently I am on maternity leave, I chose to do one longer than a year to raise my child mainly because we can't get a spot in a kita. But since I am taking more than a year off I don't receive money. Now I find out that the bank is charging me 7 Euros a month because I have no income. Way to kick a mother in the face. Thanks. I am currently looking for a different bank.

Hi, I wouldn’t recommend this bank for foreigners. They told me that I can’t open an account for being new in the country and they have no records of me. They lied that the only way to open an account was if I open a pension account and they made me believe that it was an economy account. When I asked although he spoke perfect English he was pretending not to know the word. When I asked is it an economy account he said that yes it is. When I asked can I get my money out anytime he also said yes. He and my former employer wanted to do this, my former employer was helped to gen more credit because of this. I never wanted a pension found and all the time I was thinking it was an economy found. When I found out after about 8 month while they took 100€/month, I contacted the bank and told them about this. They said that because it was in English they had no responsibility. They said that the lack of understanding because it wasn’t in German was the problem. I never wanted a pension found and I always opt for health insurance rather than pension always. I don’t find it useful. So asa a foreigner you might get used and lied and tricked. Avoid this bank. I was new to the country and didn’t know much and they stole so much money from me. All my hard work was taken from me by them. And I didn’t get any justice after seeking the bank out.

Worst service!
To open an account online, you waited for 1 month. To close it, they proceed it in 1 second and didn't even ask or contact for the transferring account, if there is any money left in your account or any pending transactions. The communication with the employees are not better. If you need an bank account, please stay away from this bank and use other online bank service.

Me and my girlfriend tried a few times to get a credit from TargoBank and we always got rejected.
Always there was a reason. First time : “You need 6 months at your current job” - we went after 6 months and they said “ you need to have the 7th payslip too. Reasons after reasons.

We went for 1000€ credit because our car was in an accident. It was declined. My girlfriend had 300€ per month expenses ( phone/car/internet) and still it was not enough.

They always send letters with credit offers and then when you go at the bank they give you nothing. Always bad offers.

Another annoying thing is that you cannot exchange the coins. I had a lot of kleingeld and first time it went ok. The second time it went ok but it was taxed. The third time they rejected the exchange because it was Not Tuesday and they only do that on Tuesday. What???

I also have my company at this bank. For a long time they didn’t even offer PDF’s of specific transactions. I had to prove transactions to my clients and I had nothing to show.

We are looking to change the bank this year because they are useless.

I will make you many problems yet. They rejected me ( Antrag auf Kreditkarte ) despite earning 3000 euro netto . They didn't answer how much should I earn .